Orange County Bancorp, Inc.

Orange County Bancorp, Inc.

OBT
Orange County Bancorp, Inc.US flagNASDAQ
36.75
USD
-0.44
- -
492.74MMarket Cap
Orange County Bancorp, Inc.
OBT
(NASDAQ)

Recent

price

36.75

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.77
4.39
5.05
5.59
5.88
6.62
7.25
7.99
9.03
9.52
10.16
9.48
Revenue per Share
-0.02
0.46
0.3
0.94
1.28
1.3
2.14
2.17
2.62
2.47
3.33
3.55
Basic EPS, GAAP
0.74
1.14
0.88
1.31
1.32
1.18
1.85
2.57
3.64
2.91
3.3
4.84
Free Cash Flow per Basic Share
0.41
0.41
0.41
0.4
0.4
0.4
0.41
0.42
0.46
0.47
0.57
0.67
Dividend per Share
10.55
10.26
10.14
12.06
13.55
15.1
16.22
12.24
14.63
16.35
21.27
22.87
Book Value per Share
9.58
9.32
9.23
11.18
12.7
14.29
15.59
11.64
14.06
15.8
20.83
22.44
Tangible Book Value per Share
8
8
8
8
9
9
10
11
11
11
13
13
Basic Weighted Avg Shares
30
34
39
45
53
60
72
90
102
108
127
127
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
2
2
2
2
2
2
2
Depreciation Expense
- -
4
2
8
11
12
21
24
29
28
42
47
Net Income, GAAP
- -
16.54
63.85
17.73
20.32
19.56
20.2
19.53
20.65
19.92
19.28
10.29
Effective Tax Rate (%)
-0.54
10.58
5.95
16.75
21.78
19.56
29.55
27.11
28.99
25.91
32.74
37.45
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
73
63
23
39
8
22
22
19
30
30
35
35
LT Debt
95
92
91
109
122
135
183
138
165
186
284
307
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
3.88
2.56
7.56
9.96
9.07
13.38
15.18
19.42
15.89
17.71
16.95
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
35
35
35
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
13
13
13
Market Capitalization
382
429
493

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
363
417
443
Accounts Receivable, Net
10
11
11
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.41%
19.15%
53.27%
Free Cash Flow
26.39%
35.51%
25.74%
Net Income, GAAP
-197.19%
32.31%
49.25%
Sales/Revenue/Turnover
15.81%
16.5%
18.11%
Total Cash Common Dividend
8.65%
15.07%
33.31%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
27
28
27
27
108
2025
28
32
34
33
127
2026
32
28
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.82
0.73
0.28
0.63
2.47
2025
0.77
0.87
0.75
0.93
3.33
2026
0.85
1.02
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.12
0.12
0.12
0.13
0.47
2025
0.13
0.12
0.13
0.18
0.57
2026
0.18
0.18
- -
- -
- -
Business
Orange County Bancorp, Inc. (NASDAQ: OBT) operates as a bank holding company for Orange Bank & Trust Company, providing commercial banking, consumer banking, and wealth management services primarily to small and medium-sized businesses, local municipalities, individuals, and high-net-worth clients in New York's Hudson Valley region, including Orange, Rockland, Westchester, and Bronx counties. The company offers a comprehensive range of products and services, including commercial real estate loans for multi-family, retail, office, and industrial properties as well as construction financing; commercial and industrial loans such as working capital lines, equipment financing, and owner-occupied real estate loans; residential real estate loans, home equity loans, and consumer loans; deposit products comprising interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, certificates of deposit, and treasury management services; and wealth management through its Hudson Valley Investment Advisors (HVIA) division, encompassing trust and estate administration, investment management, financial planning, and retirement plan services. Founded in 1892 and headquartered in Middletown, New York, Orange County Bancorp maintains 16 full-service branches and a digital banking platform, with total assets exceeding $2.5 billion and deposits around $2.1 billion as of late 2024. Recent developments include a $25 million subordinated notes offering at a 6.50% fixed rate maturing in 2035, completed with qualified institutional buyers in September 2025 to bolster capital; declaration of a quarterly cash dividend of $0.18 per share in November 2025, reflecting a $0.05 increase; uplisting to the Nasdaq Global Select Market in 2020 for enhanced liquidity; and rebranding of wealth management services under the Orange Wealth Management name to integrate advisory offerings more seamlessly.

Company News

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  • Dimensional Fund Advisors LP Has $4.06 Million Position in Orange County Bancorp, Inc. $OBT

  • Orange County Bancorp, Inc. Announces Record Second Quarter Earnings

  • Orange County Bancorp, Inc. Declares Cash Dividend

  • Orange County Bancorp, Inc. Declares Cash Dividend

  • Orange County Bancorp (OBT) to Release Quarterly Earnings on Wednesday

  • Toll Brothers Announces Model Homes for Sale at Vista Rose in Placentia, California

  • Orange Bank & Trust Promotes Regional President, Joseph A. Ruhl to Senior Executive Vice President

  • Orange County Bancorp, Inc. Declares Cash Dividend

  • Analyzing Orange County Bancorp (NASDAQ:OBT) and First Bank (NASDAQ:FRBA)

  • Orange Investment Advisors Enhances Team with Appointment of Two Portfolio Managers

  • Head to Head Survey: Orange County Bancorp (NASDAQ:OBT) & Shore Bancshares (NASDAQ:SHBI)

  • Orange County Bancorp, Inc. (OBT) Hits Fresh High: Is There Still Room to Run?

  • Orange County Bancorp, Inc. (OBT) Beats Q4 Earnings and Revenue Estimates

  • Orange County Bancorp (NASDAQ:OBT) Trading 0.4% Higher – What’s Next?

  • Contrasting Orange County Bancorp (NASDAQ:OBT) & CNB Financial (NASDAQ:CCNE)

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